Discover It Upgrade?

Discover It Upgrade?

Hey friends. I have been on the forum for a little while now, and I saw a post today that said something about Discover canceling their Discover More program and adopting the Discover It model. Does anyone have any information on this news? I would love to upgrade to Discover It, but I'm afraid of taking a credit hit. Does anyone know if you can upgrade your card without taking a credit inquiry? Just looking for some clarification. Thanks!

Re: Discover It Upgrade?

It would be Discover It student. Discover rep told me the IT card was their best card. Unfortunately once you PC over to it...you can't PC to any other card or back to your old card. IT is final.

I was under the impression that the Discover IT student cards were not ready to go yet, so it would be a regular IT card. Hmmm...will have to check my card agreement when it comes in. EDIT: Ignore that, I'm an idiot.

Cards: CitiForward for Students (2K, opened 8/2009), Discover it (2K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Quicksilver (4.5k, opened 11/2011), Chase Freedom (1.5k, opened 8/2014)

Re: Discover It Upgrade?

It would be Discover It student. Discover rep told me the IT card was their best card. Unfortunately once you PC over to it...you can't PC to any other card or back to your old card. IT is final.

I was under the impression that the Discover IT student cards were not ready to go yet, so it would be a regular IT card. Hmmm...will have to check my card agreement when it comes in. EDIT: Ignore that, I'm an idiot.

Re: Discover It Upgrade?

Thank you all very much. I appreciate it. I will probably change it tomorrow through the online chat feature or I will call a customer service rep. I'm looking forward to the baseline 1% cash back with the 5% rotating categories. I was thinking of applying for Chase Freedom in the new year, but if I am able to get essentially the same rewards through Discover, then I might hold off on applying.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.